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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $46,982 | $67,602-30.5% | $82,312-42.9% | $70,126-33.0% |
| Participation rate | 88.9% | 72.8%+16.1pp | 76.9%+12.0pp | 69.5%+19.3pp |
| Annual return | 13.11% | 21.57%-8.5pp | 25.88%-12.8pp | 73.15%-60.0pp |
| Employer contribution / active EE | $3,142 | $1,755+79.0% | $2,428+29.4% | $2,343+34.1% |
| Participant deferral / active EE | $4,445 | $2,987+48.8% | $3,706+19.9% | $3,332+33.4% |
| Admin fee / account holder | $640 | $4,512-85.8% | $5,608-88.6% | $4,645-86.2% |